t, Did you even read TTRoberts post? Did you understand the intent? He was not trying to convince anyone to buy any certain type of policy. He was explaining (very well, I might add) the mechanics of these policies. Obviously the first decision is whether or not you need life insurance. Once the answer is yes you certainly should try your best to understand how they work and choose the right one for your situation. I don't think it's as cut and dry as you are trying to make it seem. If you conclude that long term tax-advantaged growth of reserves in an insurance policy with the inherent insurance and tax-free access to the money can always be "out-performed" by "buy term, invest the rest" then so be it. I think it's a narrow point of view that clearly is not best for all. tt

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